Yeah quitting alcohol will kill you and nicotine is still the hard one for a lot of people. My unofficial psychiatric subspecialty is violence management and nicotine is on my list of top ten reasons people will punch you right in the face along with food, perceived threats to their children, and looking like the person that diddled them as a kid. Interestingly opiate withdrawal actually won’t kill you (at least not directly), you’ll just wish it did. Benzos and barbituates totally will though they work on the same system as alcohol.
Also executive dysfunction (fancy word for the motivation and planning it takes to do complex tasks like navigating bureaucracy) is a symptom of pretty much every mental illness ever making them the easiest population to collect a premium from then bury in paperwork and by doing so never actually have to pay out for services. When you add in having the government cut a check perr poor person to insurance companies to provide state benefits it basically becomes an infinite money glitch that churns faster the more people you force into poverty.